Ohio Valley Bank Company, The
Gallipolis, OH · Cert 384 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Ohio Valley Banc Corp.
State charter, Fed member · FED · 16 branches
Q2 2026
$1.6BAssets
$1.2BLoans
$1.4BDeposits
$165.4MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 47% of banks $1B-$10B in assets operating regionally (rank 95 of 176).
- Widest gap: total risk-based capital ratio trails 95% of banks $1B-$10B in assets operating regionally (rank 168 of 176).
- Overall: at or above the peer median on 0 of 9 directional measures.
Return on Assets
0.88%
Rank 142 of 176
Net Interest Margin
3.53%
Rank 96 of 176
Efficiency Ratio
60.61%
Rank 95 of 176
Equity / Assets
10.05%
Rank 98 of 176
Non-interest income vs. expense
Unfavorable gap of $31.3M · efficiency ratio beats 47% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.88% | 0.93% | 1.26% | 1.54% | Beats 19% | 142 / 176 | | |
| Return on Equity | 8.72% | 9.26% | 11.89% | 14.46% | Beats 21% | 139 / 176 | | |
| Net Interest Margin | 3.53% | 3.25% | 3.59% | 3.93% | Beats 45% | 96 / 176 | | |
| Efficiency Ratio | 60.61% | 52.79% | 59.55% | 67.66% | Beats 47% | 95 / 176 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.45% | 0.30% | 0.64% | 1.32% | Beats 19% | 143 / 176 | | |
| Net Charge-Offs / Loans | 0.08% | 0.01% | 0.04% | 0.10% | Beats 32% | 122 / 176 | | |
| Capital |
| Tier 1 Capital Ratio | 9.73% | 11.15% | 12.72% | 14.15% | Beats 5% | 168 / 176 | | |
| Total Risk-Based Capital Ratio | 9.73% | 11.81% | 13.63% | 15.33% | Beats 5% | 168 / 176 | | |
| Equity / Assets | 10.05% | 9.16% | 10.35% | 11.80% | Beats 44% | 98 / 176 | | |
| Liquidity & Funding |
| Loans / Deposits | 87.30% | 80.94% | 89.73% | 97.21% | 41st pctl | 104 / 176 | | |
| Loans / Assets | 74.94% | 69.25% | 75.12% | 80.82% | 49th pctl | 90 / 176 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |